Are You Eligible for a Mortgage Modification?

HAMP Calculator

The HAMP, Home Affordable Modification Program, calculator was designed to determine a homeowner’s eligibility for a loan modification. HAMP sets forth the process for borrowers who are in default, at risk of immediate default, or in foreclosure to modify their mortgage payment targeted at about 31 percent of their gross monthly income. The HAMP calculator can be found at The HAMP calculator works by calculating the net present value of your mortgage.

In addition to a Chapter 13 bankruptcy, HAMP is another option to assist homeowners in default or teetering on the edge of default. If you are unable to make your mortgage payments contact an experienced Columbus Bankruptcy Lawyer at Dailey Law Offices today for a consultation to discuss all of your options including a loan modification.


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